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1008 Veterans Memorial Pkwy
Tuscaloosa, AL 35404

DCH Credit Union is headquartered in Tuscaloosa and is the 51st largest credit union in the state of Alabama. It is also the 2,877th largest credit union in the nation. It was established in 1955 and as of December of 2013, it had grown to 12 employees and 4,853 members. DCH Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work or attend school in Tuscaloosa, Bibb, Fayette, Greene, Hale, Lamar, Pickens or Sumter County. - See Details

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. DCH Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 DCH Credit Union had $570,000 in non-current loans and owned real-estate with $3.9 million in equity and loan loss allowances on hand to cover it. This gives DCH Credit Union a Texas Ratio of 14.60% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for DCH Credit Union decreased slightly from 19.62% as of December 31, 2012 to 14.60% as of December 31, 2013, resulting in a positive change of 25.58%.This indicates that the balance sheet and financial strength for DCH Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, DCH Credit Union has increased its total deposits by $1.38 million, resulting in 5.28% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth DCH Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. DCH Credit Union has $31.28 million in assets with $3.9 million in equity, resulting in a capitalization level of 12.48%, which is excellent.

Institution Statistics

NCUA #63940
Year Chartered1955
Primary Regulator
Assets and Liabilities
Assets$31.28 million
Loans$13.70 million
Deposits$27.45 million
Equity Capital$3.69 million
Loan Loss Allowance$217,000
Unbacked Noncurrent Loans$479,000
Real Estate Owned$91,000
Historic Data - December 2012
Assets$29.80 million
Equity Capital$3.59 million
Loan Loss Allowance$280,000
Unbacked Noncurrent Loans$479,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin7.75%
Return on Assets0.47%
Return on Equity4.02%
Interest Income$1.18 million
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DCH Credit Union Savings Account Rates

0.15%--Share Savings Account
0.15%--Club Accounts
0.15%--IRA Savings Account
0.15%--Roth IRA Savings Account
0.15%--Coverdell Education Savings Account

DCH Credit Union CD Rates

0.90%$500-60 Month Share Certificate
0.80%$500-48-59 Month Share Certificate
0.75%$500-36-47 Month Share Certificate
0.65%$500-24-35 Month Share Certificate
0.50%$500-18-23 Month Share Certificate
0.40%$500-12-17 Month Share Certificate
0.30%$500-6-11 Month Share Certificate

DCH Credit Union IRA Rates

0.90%$500-60 Month IRA Certificate
0.80%$500-48-59 Month IRA Certificate
0.75%$500-36-47 Month IRA Certificate
0.65%$500-24-35 Month IRA Certificate
0.50%$500-18-23 Month IRA Certificate
0.40%$500-12-17 Month IRA Certificate
0.30%$500-6-11 Month IRA Certificate

DCH Credit Union Locations
Branch Office1008 Veterans Memorial PkwyTuscaloosa, AL 35404